Megan Freedman, Executive Director at the US Travel Insurance Association advises travelers to be aware of the 24-hour travel assistance services provided by every plan: It’s really important for travelers to keep that contact info handy.â€ The wallet-sized card you get from your travel insurer can be useful in both emergencies (like if you lose your passport) and non-emergencies (like if you just want a quick way of getting tickets to the opera).

If something happens during or before your trip, you need to contact the travel insurance company as soon as possible so it can advise you about what to do. You also need to keep meticulous records. If an illness in the family is the reason you can’t make the trip, you need a doctor’s note and copies of any bills sent to you. If you have to cancel your trip due to work, you would need a letter from your employer. When filing a claim you will need to submit all written documentation to your insurer.